Age requirements
- Available for applicants up to age 74 and renewable for customers age 75 and over.
Eligibility
You are eligible for coverage if:
- You and your family members included on the application are within 60 days of leaving a group benefits plan that had similar health coverage. For example, to include dental coverage, you must have been covered for dental under your group benefits plan.
- You are in Canada when you complete and submit the application
- You and your family members are residents of Canada and have provincial or territorial health and drug coverage
- Quebec residents must also have and continue to have group drug coverage provided by an employer, through membership in an order or association or through the Régie de l’assurance maladie du Québec (RAMQ). A person not covered under a group benefit plan or through RAMQ is not eligible for coverage
- Your dependent children are under age 25. Dependent children aged 21 to 24 must be full-time students
- There are no medical requirements.
More information
- You must also apply to your provincial or territorial government health and drug plan first, then submit a claim to us for the unpaid portion.
- All annual or lifetime maximums are per person and based on a calendar year (January 1 to December 31).
- We may change rates each year. If we do change the rates, we’ll send you written notice at least 30 days before the change.
- Waiting periods begin on the date the policy becomes effective.
- This page does not form part of your policy. If there are any inconsistencies between the content on this page and your policy, the terms of your policy will apply. Your policy includes exclusions and limitations of coverage.
Sample policies
Read examples of text that can appear in a policy. Not all the provisions apply to every policy – it is simply for your reference. When we issue a policy it governs the legal relationship between us and the client. An actual policy can have provisions that are somewhat different from those that you've read here.
Health and Dental Choice A
Health Choice B with Dental
Health Choice C with Dental